Auto Insurance
Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
Proudly serving Lansing, MI (including Haslett, Dewitt, E. Lansing, Holt, Grand Ledge, Mason, Fowlerville, Owosso, Durand, and Charlotte) and Brighton, MI (including Novi, Wixom, South Lyon, and Plymouth)
OneSource Insurance is Brighton’s trusted source for personalized insurance coverage. Coming to us means coming to an agency that is easy to communicate with and one that will be able to guide you on a personalized path to choosing the right insurance plan, rather than a much larger agency that doesn’t prioritize your individual needs. Our goal is for every customer to leave our doors knowing they have the safest plan for the future.
Auto insurance is a certain type of coverage that all car owners need. The type of coverage that car owners have, though, can vary greatly, and we will assist you in picking the best policy to maintain the quality of your specific vehicle.
Common Auto Insurance Questions
By purchasing the right coverage, auto insurance is a paid agreement between the insured and the insurer that, in the event of an accident, the insurer will step in and help cover some of, if not, all of the costs resulting from a damaged vehicle depending on the type of coverage. In turn, drivers can feel some type of safety knowing that, if an accident occurs, they will be provided financial assistance.
Vehicle damage can get very expensive if an accident is severe enough, and auto insurance is a guarantee that you will be assisted in covering those expenses. In the event of an accident, you would file a claim against your policy for aspects of the accident you are responsible for and your insurance will then give you financial assistance in covering some of the costs.
It’s important to understand that having quality coverage will limit your out-of-pocket costs, rather than digging yourself into significant financial debt.
The average auto insurance policy can offer numerous benefits, including:
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Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
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Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
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Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
Every car owner must buy certain basic coverages in order to register a motor vehicle in Michigan.
Personal Injury Protection (PIP): If you are hurt in an automobile accident, this part of your no-fault policy will pay all reasonably necessary medical expenses with no maximum limit. It will also pay, up to a maximum amount, for the wages you would have earned if you had not been hurt, for up to three years. Visit www.michigan.gov/DIFS for current wage loss amounts. If you are killed in an accident, your policy will pay your spouse and dependents up to the monthly amount for three years, based on what they would have received from your earnings and fringe benefits.
Property Protection Insurance (PPI): Your policy will pay up to $1 million for damage your car does in Michigan to other people’s property, such as buildings and fences. This coverage will also pay for damage your car does to other people’s properly parked vehicles.
Residual Liability Insurance — Bodily Injury and Property Damage (BI/PD): The no-fault law protects insured persons from being sued as the result of an automobile accident, except in certain special situations. The minimum required BI/PD coverage limits are:
Up to $20,000 for a person who is hurt or killed in an accident.
Up to $40,000 for each accident if several people are hurt or killed.
Up to $10,000 for property damage in another state.
Having more than just the bare minimum auto insurance coverage is essential. Our knowledgeable, experienced agents will help you determine the best policy.
Numerous factors can influence the cost of your auto policy, including:
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Your chosen coverage limits
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The value of your vehicle
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Your driving accident history
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Your history of claims on other auto policies
There is a possibility that drivers might pay different prices for the same type of coverage, but we will make certain to use our resources and find you the best policy for the most reasonable price. Do not sell yourself short when it comes to auto insurance.
Call us at 810-225-8555 or request your free quote to figure out the best auto insurance policy for you and your vehicle.
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